Compare 2011 Chevrolet Cruze Car Insurance Cost

Tired of scraping the payment together to insure your Chevy every month? Your situation is no different than many other drivers.

Online insurance companies like GEICO and Progressive constantly blast consumers with advertising and it is challenging if not impossible to ignore the promise of big savings and effectively compare rates to find the best deal.

Free Insurance Coverage Quotes

All the larger insurance coverage companies such as Allstate, GEICO and Progressive give coverage prices online. Getting online quotes is quite simple as you just enter the coverage amounts you desire as detailed in the form. Upon sending the form, their system collects your driving and credit reports and provides a quote based on many factors. This helps simplify price comparisons, but the time required to go to a lot of sites and type in the same information can be a bit repetitive. But it’s very important to have as many quotes as possible if you are searching for the lowest price.

The better way to compare rates

A less time-consuming method to lower your rates requires only one form that analyzes rates from multiple companies. This type of form saves time, eliminates form submissions, and makes online quotes much more efficient. Immediately after you send the form, it is quoted and you can select your choice of the pricing results. If the quotes result in lower rates, you can simply submit the application and purchase coverage. The whole process takes less than 15 minutes and you will find out if you’re overpaying now.

To find out how much you can save on insurance coverage, simply click here to open in new window and complete the simple form. If you have coverage now, it’s recommended you enter your coverages as shown on your current policy. This way, you will receive a price comparison based on the exact same insurance coverage.

Don’t assume everyone needs the same coverage

When buying proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For example, these questions could help you determine whether your personal situation might need professional guidance.

• Is upholstery damage covered by car insurance?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Can I rent a car in Mexico?
• Is my ex-spouse still covered by my policy?
• Does my medical payments coverage pay my health insurance deductible?
• Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Coverages available on your policy

Learning about specific coverages of a car insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most car insurance policies.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for expenses for things like pain medications, nursing services, hospital visits, doctor visits and ambulance fees. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like fire damage, theft, damage from getting keyed and damage from a tornado or hurricane. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision – Collision insurance will pay to fix damage to your Cruze from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a mailbox, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Liability – This coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as funeral expenses, structural damage, attorney fees, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Chevy Cruze.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.